TERMS OF SERVICE

Welcome to AJO Trades, a trading education platform operated by Alexander Jinseo Oh. By accessing our website at ajotrades.com, submitting any form, providing your contact information, or using our services, you agree to these Terms of Service ("Terms"). Please read them carefully.

By using our website or services, you consent to the data practices described in this Terms of Service. If you do not agree with these Terms, please do not use our website or services.

1. SMS, Phone, and Email Communication Consent

1.1 Express Written Consent

By providing your phone number and/or email address through any form on our website (including contact forms, lead forms, landing page forms, appointment forms, or chat widgets), you expressly provide written consent to receive:

• Text messages (SMS and MMS) to your mobile phone number;
• Phone calls (which may be automated, prerecorded, or made using an autodialer);
• Emails to your provided email address;
• Messages through our website chat widget or other communication platforms.

This consent applies to communications from AJO Trades, our team members, sales representatives, and authorized third-party service providers acting on our behalf.

1.2 Types of Messages You May Receive

Messages may include but are not limited to:

• Information about our trading education programs, courses, and mentorship services;
• Marketing and promotional messages about our offerings;
• Appointment reminders, confirmations, and scheduling messages;
• Follow-up communications regarding your inquiry, application, or interest;
• Account-related notifications, updates, and customer service messages;
• Educational content, trading insights, and community updates.

1.3 Message Frequency and Charges

Message frequency varies based on your level of engagement and interactions with us. You may receive up to 10 messages per week, though frequency may be higher or lower depending on your specific inquiries and program enrollment.

Message and data rates may apply. Standard text messaging rates from your mobile carrier will apply to all SMS messages sent and received. Please contact your wireless carrier for details about your messaging plan and any applicable charges.

1.4 Automated Communication Technology

You acknowledge and expressly consent that messages and calls may be sent or made using:

• Automated telephone dialing systems (autodialers);
• Artificial or prerecorded voice messages;
• Automated text messaging platforms;
• Other automated communication technology.

Your consent to receive such automated communications is not required as a condition of purchasing any goods or services from AJO Trades.

1.5 How to Opt Out and Unsubscribe

You can opt out of receiving text messages at any time using any of the following methods:

• Text "STOP" - Reply with the word STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any text message you receive from us;
• Email us - Send an email to [email protected] with your phone number and request to unsubscribe;
• Click unsubscribe - Follow the unsubscribe link in any marketing email we send.

After you opt out, you will receive one final confirmation message acknowledging your request. Please allow up to 48 hours for your opt-out request to be fully processed.

Important: Opting out of marketing messages does not opt you out of important transactional or account-related communications if you are an active customer, such as appointment confirmations, service updates, or critical account notifications.

1.6 Getting Help with SMS

For help or support with text messages, you can:

• Text "HELP" - Reply with the word HELP to any message from us to receive assistance information;
• Email support - Contact [email protected] for assistance.

1.7 Supported Mobile Carriers

Our SMS messaging services are available on major U.S. mobile carriers including but not limited to AT&T, T-Mobile, Verizon Wireless, Sprint, Boost Mobile, Cricket Wireless, MetroPCS, U.S. Cellular, Virgin Mobile, and other carriers. Service may not be available on all carriers.

If you experience technical difficulties receiving messages, please contact your mobile carrier or our support team.

1.8 Your Responsibilities

By providing your contact information, you represent, warrant, and agree that:

• The phone number and email address you provide are accurate, valid, and currently active;
• You are the owner or authorized user of the phone number and email address provided;
• You will promptly notify us if your phone number or email address changes;
• You are responsible for all mobile carrier charges for messages and data usage;
• You will not hold AJO Trades liable for any charges from your mobile carrier.

2. Business Contact Information

AJO Trades is operated by Alexander Jinseo Oh. Our business contact information is as follows:

Business Name: AJO Trades

Website: ajotrades.com

Email: [email protected]

Business Address: 22111 Atwater Canyon Lane, Katy, Texas 77494, United States

Business Phone: (832) 449-2426

This contact information is publicly displayed on our website and can be used to verify our business identity and legitimacy.

3. Use of Website and Services

3.1 Eligibility

You must be at least 18 years old to use our website and services. By using our website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

3.2 Accuracy of Information

You agree to provide true, accurate, current, and complete information when submitting any forms or communicating with us. Providing false, misleading, or fraudulent information may result in immediate termination of services and may constitute a violation of law.

3.3 Prohibited Business Practices

AJO Trades does not engage in and strictly prohibits:

• Affiliate marketing or buying/selling of leads - We do not purchase contact information or leads from third-party sources, and we do not operate as an affiliate marketer. All contact information is provided directly by users through our website forms;
• Lead generation services - We are not a lead generation company and do not sell or share user contact information with third parties for marketing purposes;
• Spam or unsolicited communications - We only contact individuals who have voluntarily provided their information through our website and expressly consented to receive communications.

All communications from AJO Trades are sent only to users who have directly opted in through our website forms, in full compliance with the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and carrier messaging policies.

4. Educational Purpose and Trading Risk Disclosure

4.1 Educational Purpose Only

IMPORTANT NOTICE: All information, content, materials, courses, programs, and services provided by AJO Trades are for educational and informational purposes only. Nothing we provide through our website, communications, or services constitutes:

• Financial advice, investment advice, or trading advice;
• A recommendation or solicitation to buy, sell, or hold any security or financial instrument;
• Personalized investment recommendations;
• Professional financial, legal, or tax advice.

AJO Trades and Alexander Jinseo Oh are not licensed financial advisors, registered investment advisors, broker-dealers, or financial planners. We provide trading education only.

4.2 Substantial Risk of Loss

WARNING: TRADING INVOLVES SUBSTANTIAL RISK OF LOSS.

Trading in stocks, options, futures, forex, cryptocurrencies, and other financial instruments carries a high level of risk and may not be suitable for all investors. You acknowledge and agree that:

• You could lose some or all of your invested capital - The risk of loss in trading can be substantial, and you should only trade with money you can afford to lose;
• Past performance does not guarantee future results - Historical trading results, whether shown by AJO Trades or others, do not predict or guarantee future performance;
• No guarantees of profit - We make no representations, guarantees, or warranties that you will earn any income, make any profit, or achieve any particular result from using our education or strategies;
• Results vary significantly - Individual results will vary widely based on numerous factors including skill level, experience, dedication, market conditions, risk tolerance, and capital availability;
• Testimonials and examples are not typical - Any testimonials, case studies, or examples shown are not representative of typical results and should not be relied upon as indicators of your potential success.

4.3 Your Sole Responsibility

You are solely and completely responsible for:

• All of your trading decisions and actions;
• Evaluating the accuracy, completeness, and usefulness of any information we provide;
• Conducting your own due diligence and research;
• Consulting with licensed financial, legal, and tax professionals before making any investment decisions;
• Understanding the risks involved in trading and ensuring it is appropriate for your financial situation.

5. Intellectual Property Rights

All content on our website and provided through our services, including but not limited to text, graphics, logos, images, videos, audio, software, course materials, trading strategies, methodologies, and other content ("Content"), is the exclusive property of AJO Trades and Alexander Jinseo Oh, and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, transmit, sell, or exploit any Content without our express written permission. Unauthorized use of our Content may violate copyright, trademark, and other laws and may result in legal action.

6. Privacy and Data Protection

We are committed to protecting your privacy. Our collection, use, storage, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference and can be found at ajotrades.com/privacy.

By using our website and services, you consent to our data practices as described in the Privacy Policy. We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

7. Disclaimers and Limitations of Liability

7.1 No Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE. WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

7.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AJO TRADES, ALEXANDER JINSEO OH, AND OUR AFFILIATES, EMPLOYEES, CONTRACTORS, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR TRADING LOSSES, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE OUR WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

8. Changes to These Terms

We reserve the right to modify, update, or change these Terms at any time at our sole discretion. We will provide notice of material changes by posting the updated Terms on our website with a new "Last Updated" date at the top of this document.

Your continued use of our website or services after any such changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using our website and services immediately.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

10. Contact Information

For questions, concerns, or requests regarding these Terms, our services, or your communication preferences, please contact us at:

AJO TRADES

Email: [email protected]

Website: ajotrades.com

SMS Help: Text HELP to any number you received messages from

SMS Opt-Out: Text STOP to any number you received messages from